Hi Tina I definitely agree - I have put a request through to a couple of companies one of which is Melanie's. I think the company I have spoken to obviously gave me some incorrect information. And I have checked and they are not listed on this site as a company which makes me a little more dubious. ...

oh, you are all so so kind, it makes me want to cry !!! well, ok, i did a littl bit, but feel a bit better now. I shall keep you all informed of what is going on, i know it helps others in the same position, just as it has helped me xx Hi Scaredykat Im new to this forum too but have been reading it...

Hi Tina and thankyou... Though my concern is that my mum would not like people delving into her financial situation - it would upset and stress her very much. The only proof I can provide is the money leaving my bank every month and going directly to her bank - that has happened since February 2010 ...

Many thanks Michael it certainly is - although it would seem I have been advised incorrectly by one company already! But I am going to speak to a couple more as well to get a bigger picture. I really don't want to involve my mum any further so it may well be that I will just have to wait until I've ...

Thank you Michael I totally understand. My aim was to repay my mum quickly but unfortunately my bonus payments at work dropped drastically overnight and at the same time my working tax credits went from approx £800 to zero overnight because they said they had over paid me by £6,000. So at the time I...

Thank you both Sometimes Tina and Skippy for your replies. I figured this was the case although one IVA company said it could be excluded so wanted to seek clarification. I guess then the best route for me would be to continue paying my mum and then perhaps consider an IVA in a year or so when I've ...

Hello Everyone I am new to this forum and have already tried to make this post but I can't find it so I apologise now if I am duplicating myself. I am currently on a DMP but am researching the possibilities of an IVA. Aside from the DMP I am currently repaying a loan to my mother who helped me out a...